Sep ’18 Performance

So September flew by with a holiday meaning I hardly checked my portfolio all month and, you may not believe this, but it made absolutely no difference!

As I covered in my “How I measure performance” – basically I take the value of the portfolio at the end of last month, add on any contributions for the month, and that was my starting value. End value is the value at the end of the reporting period. Simples 🙂

Perf.

Notes

Company Pension

-0.86%

No income generated as all funds are in growth or reinvested

Personal Pension

-2.12%

No income generated as all funds are in growth or reinvested

ISA 1

-0.38%

No income generated as all funds are in growth or reinvested

ISA 2

-1.00%

The performance does not include the income that was paid out into my account

ISA 3

1.69%

Although dividends are paid out, they remain in the ISA wrapper, and will get reinvested for growth. The performance figure includes both the Capital growth, and also income received which will get reinvested.

ISA 4

0.02%

Go T’ Pub ISA

FTSE-100

1.05%

This excludes any dividends

FTSE-250

-1.85%

This excludes any dividends

FTSE-All

0.53%

This excludes any dividends

S&P500

0.41%

This excludes any dividends

Dow Jones

1.90%

This excludes any dividends

VWRL

-0.17%

VHYL

-0.06%

GBP/USD

0.58%

This was taken on the spot rate on the close of the last day of the month. Going forwards I will pick up the exchange rate from www.xe.com for consistency and real life 🙂

So what to make of it all? Pretty much nothing to see as things just plod along apart from my IFA managed pension, which plummeted (not a surprise given the markets and where this is invested), and my ISA seems to do ok.

Things just tick along, money goes in, dividends pay out, and the slow progress just keeps going on. I still have a long way to go to make the FI point, but it keeps going.